A new year is upon us and now is the best time to get in there and be active in planning your life—after work. Are you getting the whole story? Do you know the details of your retirement? Chances are, you don’t.

Deeper conversations with your Financial Advisor (FA) could be the difference between life after retirement and work after retirement. So what types of conversations should you be having? First, does he/she have you set up so that you gain the ability to generate income after retirement? Do you, the client, know when is the best time to claim Social Security benefits? Has your FA educated you on how to minimize taxes or how to withdraw from an IRA without getting hit with big fees. Do you know how often you will or should meet with your FA and what you’ll talk about when you do?

This week on the David Lukas show, David wants to know what you know about your retirement. He’s interested in talking about what your Financial Advisor knows about you and your goals in retirement. Because, with all of these important questions surrounding your investments, it’s so important to have an advisor that takes the time to understand your “personal” goals. David talks in depth about the importance of working with a Fiduciary to get the results you want.

Five things you should expect to happen when meeting with your FA:

• A discussion about the risk involved in all investment through various market cycles.
• An education in your investments, in simple easy to understand terms.
• A review of your retirements current status and explanation therein.
• That your retirement plan should be a comprehensive game plan. Not just a list of holdings
• An expectation of how often you will be meeting to review your situation.

To hear all of the important things said in this episode, listen today!

Get the 2017 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

Interested in the WorryFree® Retirement? Get started in just five simple steps…

1. Clarify your vision

Before beginning any journey, it’s best to know where you are going and what to expect along the way. Our first step of the process is unique because it’s all about you and “your” vision of retirement.
Together, we will clarify where you want to go. We’ll help identify your personal strengths and opportunities and consider potential dangers and threats to your financial journey. A personalized written outline summarizing your unique vision will be mailed to you for review at no cost or obligation.

2. Assess your situation

A trusted doctor would never give a medical diagnosis without first looking you over. Neither will we! That’s the reason the second step was created: “The Assessment.”
At this meeting we will review your personal financial information. We’ll help organize your finances so that potential issues or concerns can be addressed and corrected. A brief written assessment of any findings and recommendations will be provided to you at no cost.

3. Commit your retirement

The WorryFree Retirement® is based on commitment and trust. In order to work together, we must confirm our commitment to the process.
We will never pressure you to buy anything from us, nor will we ever suggest you move forward with our recommendations unless you completely understand them.

4. Implement your Gameplan

Reaching any goal requires action. With implementation of your personal Gameplan, you will have a safe, easy to follow path format reaching your retirement goals.
This written Gameplan will be self-contained in a highly organized binder that clearly communicates your hopes and dreams.

5. Monitor your progress

There’s only one guarantee in life: Nothin’ stays the same! Because change is inevitable, we provide one-on-one consultation with you at no cost, whenever you need it. When you’ve got a question, we’ll be here for you.

That’s what trust and commitment are all about.

The WorryFree Retirement® Process anticipates change and values the idea of monitoring your progress along the way. Our time together also gives us a chance to explore new ideas and possibilities as well.

Ready to get started with The WorryFree Retirement process? Schedule a no cost consultation with David by following the link or calling: (501) 218-8880.

The 3 Personalities of Money®:
Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

If you knew that there were certain safe holds to secure your financial future and ensure that you could retire with less stress, would you take them? Would you choose a worry-full future or The WorryFree Retirement®?

This week on the David Lukas Show, our host talks about what risks may be involved with your “basic” 401k retirement plan. Because there’s nothing worse than hoping for the best and receiving the worst. One area that can have a significant impact is to be proactive in planning your retirement by ensuring you aren’t taking unnecessary risk, especially if you are invested outside of your risk tolerance . Throughout the hour David mentions and expands upon other risk including:

• The risk of not saving enough
• The risk of skyrocketing health care prices
• The risk of not being diversified in your investments
• The risk of continued low interest rates
• Unnecessary Fees that cripple your savings
• The risk of having no plan for retirement
• The risk of future tax increases.
• How an annuity might be good for you

So what comes of blind 401k planning? A Hope and Prayer Portfolio. What the heck is that, you ask? Well, a H&P Portfolio is an investment portfolio filled with both high fees and high risk investments. Ergo, the holder places all hope that his/her investments are in their best interest and he/she is praying that their portfolio performs well. Reality Check: more times than not, this strategy doesn’t pay off for the investors—it is common for people to take way more risk than they want.

Want to know what David has to say about all of this? Listen to the entire show today.

Free Annuity Decision Guide:

Is an annuity right for you? Get the Annuity Decision Guide for Savers today by clicking here! Learn about the 4 types of annuities, the pros and cons of owning an annuity. Learn if an annuity is right for you.

Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR.

The 3 Personalities of Money®:

Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

Is following the herd what’s best for you? Do you wake up at night worrying about the hits your 401k may be taking with the Market?

This week on the David Lukas Show, our host asks his listeners, “what is your 401k doing for you?” Because when it comes to retirement, most Americans have done little more than the basics. In fact, millions have contributed, monthly, to their 401k, (or as David affectionately calls a tax-postponement plan.)

Throughout the hour, David talks about what’s waiting for you when you’re ready or need to collect on your 401k and explains all the different actions needed to minimize taxes and avoid fees and penalties. David talks about how tax-diversification can be the key to retiring WorryFree®.

Just as someone shouldn’t put all of their hopes into one dream, a retiree shouldn’t put all of his or her money into one product. Penalties, fees, RMDs (required minimum distributions) and the possibility of having to pay within a higher tax bracket are just a few of the MANY reasons why every retiree and future retiree needs a solid game plan for their retirement.

So if 401k’s aren’t the best option for you in retirement, then what are your options? Here a just a few discussed in today’s show:

• Roth IRA
• An annuity
• Other tax-advantaged alternative assets classes that are often overlooked.

To hear all of David’s helpful advice listen to the entire episode today!

The 3 Personalities of Money®:

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Free Annuity Decision Guide:

Curious to know what The Annuity Decision Guide for Savers is all about? Click here!

Want to know more about how David Lukas Financial can help you put a safe and secure game plan together that you can count on? —call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there’s never a fee or obligation to meet with David.

According to a recent study, more than half of Americans age 55 and older don’t have a plan when it comes to money after retirement. That’s right, more than half! But guess what? You don’t have to be one of them!

This week, on the David Lukas Show, our host David talks about what steps are crucial to planning a WorryFree® Retirement. Throughout the hour David names and expands upon...

The Seven Critical Steps to Retirement:

1. Sign up for Medicare – Eligible at 65 and if you are already signed up to receive SS, then you will already be signed up for Medicare. *Don’t forget about PART B- Covers outpatient care. For this there is a short (basically 7 month) window to sign up without gaining a hefty penalty. Working with a Medicare specialist is crucial.
2. Work with a Professional Retirement Income Planner – It is so important to work with someone who understands retirement income planning. In fact, it can be the difference between work after retirement and a WorryFree® retirement. A Professional Retirement Income Planner can also help you implement a proactive withdrawal strategy when it’s time to start spending your hard earned money.
3. The Tax Tumor hidden in your 401k – Come retirement, you’ll need the funds that you’ve saved.The lean that the government has put on your 401k has a nasty little surprise that you may not even know is there. The dreaded Tax Tumor. Are you prepared for how much in taxes you will/may be paying on the amount your 401k adds to your income?
4. Social Security – When your are eligible and what you agree to take is important to planning your retirement.
5. A Budget – Planning a budget and keeping with it.
6. Consider an Annuity – Annuities may not be for everyone, but an annuity may just be perfect for you and your portfolio.
7. Minimize Risk – taking more risk than you feel comfortable with near retirement can have a negative impact. Make sure you know who much risk you are actually taking.  

To hear David talk and explain all seven important points, listen to the show today!

Get the 2017 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR.

The 3 Personalities of Money®:

Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

America has spoken and Donald J. Trump is the president elect! So, now what? What does that mean in regards to the economy and your investments with Wall Street? How can/might this affect your life if you are at or near retirement?

This week on the David Lukas Show, David first talks about the speculated volatility of our nation’s prosperity, in lieu of the recent election. Throughout the hour David explains all the ways that you can secure your money with David Lukas Financial while working within the WorryFree® Retirement system.

Subjects touched upon during today’s show:

• Stock Market stability
• Roth IRA - Roth option (individual and work). Why you should have both and max them out.
• Specially designed (planned) life insurance.
• Tax tumor preparation
• What David Lukas Financial can do for you

Listen to the entire show today to hear the valuable professional advice David has to give.

Get the 2016 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR.

Every year thousands of retirees get caught in the pitfall that is collecting Social Security. What many people don’t know is that without knowing how to set it up correctly or when you should have all of your preparations finalized you could be setting yourself up for disaster.

On this episode of the David Lukas Show, our informative host talks about all the important things YOU NEED TO KNOW about Social Security. Throughout the hour he educates his faithful listeners on the many common mistakes retirees make and what you can do to avoid them.

So what are the pitfalls of Social Security you ask:

• Spousal benefit - Some states don’t recognize certain marriages therefore they can’t use the spousal benefit
• Survivor and death benefit - If you remarry before the age of 60—50 if you’re disabled—you can no longer receive survivor benefits based on your deceased spouse’s work record. The survivor benefit is reduced if you collect before your own full retirement age
• File and suspend - Doesn’t help single people
• Delayed claiming - If you die before you collect benefits, you and your spouse will miss out on that income
• Lump-sum payment - Once you get the lump sum, your future monthly retirement benefit is reduced to reflect the amount you already received.
• Spousal benefit in divorce - You can claim the spousal benefit if you’ve been married for 10 years or more. But if you remarry, you can not collect the spousal benefit from your ex’s work record. Therefore, your spousal benefit will be reduced if you claim earlier than your full retirement age.
• Benefits while working - If you claim retirement benefits before full retirement age and continue to work, Social Security will withhold a set amount of your monthly payout above a certain annual income. In 2015 it will withhold $1 for every $2 earned over $15,720. Special rules apply for the specific year in which you reach full retirement age.)

To hear the insight David has to share on Social Security, listen to the entire show today! Do you have Social Security or retirement questions? If so, call or write in to David Lukas Financial, and possibly get your question(s) answered on the air!

Attention Arkansas listeners age 60 and up!

Request your FREE 2016 social security guide (44th edition) by calling (501) 218-8880 today!

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Life can be scary and/or downright horrific at times—and not just at Halloween! In fact, because there are so many uncertainties surrounding all aspects of our lives it’s hard to know just how safe you really are in anything let alone your financial life.

But, if you knew that there were certain safe holds to secure your financial future and ensure that you could retire without stress, would you take them? Would you choose a worry-full future or The WorryFree Retirement®?

This week on the David Lukas Show, David talks about what may or may not be freaking you out, when it comes to retirement. Throughout the hour David mentions and expands upon...

the 13 challenges—in retirement —that may be haunting you:

1. The impending election: what could happen when either candidate wins
2. National debt: the deficit and how high taxes will get to correct it
3. What you don’t know about your 401k
4. Having to go back to work
5. Haven’t saved enough
6. Worried about a repeat of 2007-8
7. Skyrocketing health care prices
8. Social Security worries and concerns
9. The tax tumor that awaits after retirement
10. Not being diversified in your investments
11. Continued low interest rates
12. Fees that cripple your savings
13. No plan for retirement

Get the 2016 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR.

The 3 Personalities of Money®:

Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

There’s a lot of talk amongst Republican and Democrat financial talking heads about the upcoming election and what “could” happen to your investments should the market take a turn to the left or the right. Come November 1st, can your retirement fund withstand a possible hit?

On this episode of The David Lukas Show, David takes the hour to talk about the possible liabilities your government sanctioned retirement funds (401ks, pensions, IRAs...) may carry with the market swings that could happen depending upon which candidate is elected.

Topics David covers today:

• Possible future changes to retirement plans
• Future Department of Labor rulings and what that means
• What unnecessary risks you could be taking with your money
• Taxes and deductions that could change with either candidate
• How to plan for retirement no matter who wins the election AKA election-proofing your portfolio

To hear all of the trusted information that David, Central Arkansas’s own, has to offer, listen to the entire episode today.

Did you know that you can ask David your financial/ retirement questions? Email David with your important questions today and tune in to possibly hear your question answered ON THE AIR.

Get the 2016 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

This week on the David Lukas Show, David addresses his listeners with some very important questions concerning their retirement funds and what retiree’s expectations should be when it comes to retiring WorryFree®.

For the first part of the hour, David talks about how all the financial uncertainties in life can directly affect retirement and what his company, David Lukas Financial, can do to protect you.

During the second half of the show, David discusses the web article 27 Ugly Truths About Retirement, By Alaina Tweddale, —find it here — and what they really mean.

Blurb:

Retirement isn’t all sailboats and golf courses. At least, that’s not what the one in four Americans who fear outliving their income think. That’s according to a recent survey by the Indexed Annuity Leadership Council, which also found that nearly one in five Americans don’t have a clue about how much they’ve saved for retirement.

Still, for those worried about retirement, forewarned is forearmed, as the saying goes. We’ve compiled 27 ugly truths about retirement, so you’ll know how to best prepare for each.

Scripture mentioned in today’s show:

Romans 13:1
Proverbs 8:5
Acts 13:31
Daniel 4:17

David’s message for his listeners: Fear not, no matter what. God is in control. And don’t give in to anxiety for this earth is NOT our home.

Did you know that you can ask David your financial/ retirement questions?

Listener’s question addressed in today’s show:

I may be downsized at my job, I’m 50 years old. I’d like to keep working. My 401k has the funds in excess of what would be needed for me to start my own business. What are the pros and cons of a 401k rollover for business start-ups? (ROBS Plan- Roll Over For Business Startup) Or should I just straight withdraw the money that I need from my 401k? The plan is to enter the trucking business and my startup costs are budgeted around 50-70k. Do you know of any Arkansas firms that have any experience with this strategy?

To hear David’s insights, on the world of finance and retirement, listen to the entire episode today.

Get the 2016 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidelines Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

Do you know who’s future you’re financing…

What you’ve learned from the schools, magazines, the media and from Wall Street itself may not be true; and is in fact, not true. Learn how to finance your own future and stop transferring it away to a system built to keep you coming back for more. Just how much do you know about that Federal Reserve Note that’s in your wallet?

Get David’s informative book Who’s Future Are You Financing here, today!

“Keep an eye on the stock market from August 1 through October 31. If stocks go up during that three month stretch, expect Clinton to win. If stocks slide, Trump will likely prevail.” —Via Heather Long, CNN.com

This week on the dlshowonline.com, David first speculates on all the talk surrounding how the Stock Market is predicting who our next president will be. Apparently, if the market is good, Hillary wins. And if the market takes a hit, Trump prevails.

During the hour, our host speaks and expands upon the importance of a well diversified portfolio and how Savers, like you, can predict their own happy future by securing themselves a WorryFree Retirement.

Important topics discussed in this episode:

• Products that are more secure compared to the products that are high risk to market volatility
• Know what products you have and why you have them
• It is possible to achieve the same return with less risky investments
• Index Funds that truly pay off
• The importance of second opinions

Want to know what risks David Lukas Financial can alleviate from your retirement portfolio? Call David, at (501) 218-8880, and set up your Free NO COST appointment today. You won’t be sorry you did.

*David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

Get the 2016 Social Security Benefits Guide FREE:

Listeners aged 60 or older, visit ssbenefitsguide.com to get your FREE, UP TO DATE, Social Security benefits guide for 2016.

The 3 Personalities of Money®:

Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

Free Annuity Decision Guide:

STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

Understanding investments, bonds, and annuities isn’t easy. In fact, because all the details surrounding retirement are complicated, many soon to be retirees place too much faith in the the person/firm that’s making crucial decisions for your future.

So what comes of that type of backseat planning? A Hope and Prayer Portfolio. What the heck is that, you ask? Well, a H&P Portfolio is an investment portfolio filled with both high fees and high risk investments. Ergo, the holder places all hope that his/her FA is investing in their best interest and he/she is praying that their portfolio performs well. Reality Check: more times than not, this strategy doesn’t pay off for the investors—instead performing well for the FA/firm.

This week on the David Lukas Show, your host David Lukas first talks about the doctorate of vocation and how important it is that we follow God’s plan for us in our careers. (For more information, check out this amazing article found on Theology Of Work.

Also, tied to the idea of vocation, David talks about his continued journey in adding VALUE to his current and future clients in retirement. Below are just a few of the important questions presented and answered throughout the hour.

• Do you know what you’re paying for?
• Do you know WHY you have the funds that you have?
• Do you know how much you are paying (fees, commissions)?
• Do you know the amount of risk your investments are taking?

Closing the show, David plays a recorded clip from Jack Bogle (Founder of Vanguard).

Did you know that you can ask David your financial/ retirement questions?

Listener’s question addressed in today’s show:

I may be downsized at my job, I’m 50 years old. I’d like to keep working. My 401k has the funds in excess of what would be needed for me to start my own business. What are the pros and cons of a 401k rollover for business start-ups? (ROBS Plan- Roll Over For Business Startup) Or should I just straight withdraw the money that I need from my 401k? The plan is to enter the trucking business and my startup costs are budgeted around 50-70k. Do you know of any Arkansas firms that have any experience with this strategy?

To hear David’s insights, on the world of finance and retirement, listen to the entire episode today.

Get the 2016 Social Security Benefits Guide FREE

Social Security Questions? Get a copy of SS Benefits Guidlenes Handbook here at SSBenefitsGuide.com. Also, get a Social Security Analysis (valued at $124.95) provided by DL Financial, (FREE with coupon code: ss60) when you visit.

Do you know who’s future you’re financing…

What you've learned from the schools, magazines, the media and from Wall Street itself may not be true; and is in fact, not true. Learn how to finance your own future and stop transferring it away to a system built to keep you coming back for more. Just how much do you know about that Federal Reserve Note that's in your wallet?

Get David’s informative book Who’s Future Are You Financing here, today!

What is the purpose of your money? To Invest or Spend? What is the time horizon for each purpose? Long Term or Short Term? Are their specific risks you would like to minimize over that time frame? Where do you currently store your savings? Getting answers to these questions allows the financial professional to act as an advocate for their clients’ best interests. — John E Moriarty, ChFC

This week on the David Lukas Show, David and special guest John E. Moriarty talk about his latest book, Understanding Specially Designed Life Insurance Contracts (SDLIC): Thinking Differently about the Flexibility, Access, and Control of Your Money, and how important it is to know the difference between money accumulation and money utilization.

Throughout the hour, David and John discuss the intricacies involved in behavioral finance, reducing risk, and the importance of knowing how money works internally and externally—simultaneously.

Important topics discussed…

• Strategizing so more money flows into your control
• How to retain and utilize more money during your lifetime
• What insurance companies offer specific contracts with features that specifically suit Savers

Listen to the entire show today to get all the important information on this topic.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call David Lukas, (501) 218-8880

About John Moriarty,ChFC: via e3wealth.com

John is the founder and president of e3 Consultants Group, where he has focused on comprehensive wealth management strategies since 1995. His passion for personal service is reflected in e3’s integrated financial network of trusted advisors, who help clients find the right balance of products and strategies to coordinate every piece of their financial picture.

John is an investment advisor representative in the State of Missouri and is a designated Chartered Financial Consultant (ChFC). He has passed several industry exams and has licenses for Series 6, 7, 22, 24, and 63. In addition, John is an Office of Supervisory Jurisdiction (OSJ) Manager, and a licensed broker for both health and life insurance in several states.

John graduated summa cum laude from Saint Louis University with a BSBA in Finance. He is a member of several nationally recognized financial service organizations, including the Financial Planning Association (FPA), National Association of Insurance and Financial Advisors (NAIFA) and the Society of Financial Services Professionals.

Educating the public is essential in today’s economy, so John hosts a weekly radio show called “Maximize Your Money” every Saturday 2:00-3:00pm on KFTK 97.1 FM. Also, John is the author of “Understanding the Secret Language of Money”. This book was written to awaken the “inner-entrepreneur” in all of us so we can begin to think differently about money and finance related decisions.

Born and raised in St. Louis, John currently resides in Webster Groves, Mo., with his wife, Ellen and their two children, Harrison and Catherine. In his free time, John is an avid golfer as well as a wine and cigar enthusiast.

One of the biggest investment expenses you will face in retirement is taxes. Planning for taxes can impact your long-term return and increase your likelihood of reaching retirement and financial independence.

— money.usnews.com

This week on the DL Show, our host David Lukas takes the hour to discuss how important tax diversification is and the looming detriment of your retirement accounts NOT being diversified.

Important topics discussed in today’s show:

• What is tax diversification
• How do I diversify my portfolio
• Tax exempt options/holdings
• Important tax rate and deduction information
• Account withdrawal strategies
• What lost opportunity cost may be costing you

DID YOU KNOW…

if you have all or most of your money tied up into a 401k waiting to be taxed, after retirement, (or any other government sanctioned— or as David affectionately calls it, tax postponement — retirement plan) all of those funds WILL be subject to taxation at unknown amount? The thinking goes that you will always be in a lower tax-bracket in retirement. However, we don’t know what the tax rates will be in the future. Take a look at USDebtClock.org. Where do you think taxes are headed? Consider this, the government is borrowing over $40,000 per second more than they take in tax revenues and approaching 20 trillion in debt (Not including unfunded liabilities). Take a look at the History of tax rates in the U.S. Below. As you can see, they are historically low right now.

Learn more about the tax tumor hidden in your 401k right here.

What can be done about this? You have options. In fact, David Lukas Financial can help you deal with the tax-tumor head on. To learn more about The WorryFree Retirement®. Call David, at (501) 218-8880, to set up your Free NO COST appointment today. You won’t be sorry you did.

*David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

The 3 Personalities of Money®:

Do you know whether you are a Saver, an Investor or a Speculator? Learn about the three distinct personalities of money and take the FREE test today at: DavidLukasFinancial.com

Free Annuity Decision Guide:

STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

“As we peer into society's future, we -- you and I, and our government -- must avoid the impulse to live only for today, plundering for our own ease and convenience the precious resources of tomorrow. We cannot mortgage the material assets of our grandchildren without risking the loss also of their political and spiritual heritage. We want democracy to survive for all generations to come, not to become the insolvent phantom of tomorrow.”

― Dwight D. Eisenhower

This week on the David Lukas Show, David talks about all the caveats the government has made concerning your Required Minimum Distribution Amounts in retirement and what you need to know about the many rules that apply.

Throughout the hour, David gets into the specifics needed to properly prepare for when retirees start taking distributions from their IRA, SIMPLE IRA, and/or SEP IRA. The mistakes are too costly not to plan properly.

Did you know that the IRS deems account holders ultimately responsible for calculating their Required Minimum Distribution (RMD) amounts on their retirement funds—not the account’s custodian? Do you know the IRS’s rules on Required Distribution Amounts (RDAs)?

According to irs.gov...

“You cannot keep retirement funds in your account indefinitely. You generally have to start taking withdrawals from your IRA, SIMPLE IRA, SEP IRA, or retirement plan account when you reach age 70½. Roth IRAs do not require withdrawals until after the death of the owner.

• Your required minimum distribution is the minimum amount you must withdraw from your account each year.
• You can withdraw more than the minimum required amount. Your withdrawals will be included in your taxable income except for any part that was taxed before (your basis) or that can be received tax-free (such as qualified distributions from designated Roth accounts).”

Get All of the important INFORMATION and FORMS needed to properly calculate your Required Amounts HERE.

Whose Future Are You Financing?

David’s first book was a result of His comprehensive study, research and application of economics, banking and our monetary system.

Pick up David’s book today by visiting the dlshowonline.com store.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

Who’s planning your retirement? Can he or she be trusted? Is that somebody worthy of controlling your future? Does your retirement planner have the education and credentials to ensure that you’ll have income for life, WorryFree®?

This week, on the DL Show, our host David Lukas discusses and expands upon what a Retirement Income Specialist (RIS) is and what exactly it is that they do. So WHAT IS an RIS, you ask?

A Retirement Income Specialist is a professional that’s been trained to develop and implement comprehensive financial strategies for individuals, businesses, and organizations. He or she has the knowledge and skills to objectively assess your current financial status, identify potential problem areas, and recommend the appropriate options to take in planning for their clients financial futures.

Throughout the hour, David explains how Retirement Income Specalist are the only individuals truly qualified to help you create a personal budget, control expenses, and develop and implement plans for retirement, education, and/or wealth protection. David also expands upon how a RIS can advise in risk management, health insurance, and including strategies involving life and long-term care insurance.

To hear all of David’s expert opinion and suggestions, listen to the entire show today!

Want to know more about how David Lukas Financial can benefit you and your income in retirement? Call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

The 3 Personalities of Money®:

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Free Annuity Decision Guide:

STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

" After the greatest financial crisis since the Great Depression, Wall Street continues to speculate with your retirement savings with reckless abandon. Let "Guaranteed Income" show you how to create the risk-free retirement income you desire."

—Barry James Dyke

This week, on the David Lukas Show, David welcomes author Barry Dyke—a two time previous guest—to chat about his third book Guaranteed Income: A Risk Free Guide to Retirement.

Throughout the hour David and Barry discuss the concept and details of Dyke’s latest publication that’s full of financial secrets only experts have known about—till now.

* Listen to the entire show today to get all the important insider information that only an expert like Barry Dyke can offer.

This is definitely a book that should be added to the Saver’s arsenal of knowledge. Guaranteed Income: A Risk Free Guide to Retirement will prove to be an invaluable resource for new or soon to be retirees looking to enjoy the second half of their lives WorryFree®.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

About Barry Dyke: via castleassetmgmt.com

BARRY JAMES DYKE, President & Founder of Castle Asset Management, LLC entered the financial services business in 1982 with Prudential after working with RCA Global Communications and high tech industries. At Prudential, he was one of the rookies of the year. Soon after he then became an independent agent with New England Life, founded a pension consulting business in 1986 called Chestnut Green Benefit that excelled in the design, installation and funding of both qualified and non-qualified retirement plans. He has also designed, communicated and administered numerous health and welfare plans, and in 1990 set up the first self funded PPO plan for a Fortune 100 company for a major Boston HMO. Dyke also founded an administration firm in 1991, The Merrimac Benefit Group, Inc. Which specialized in flexible benefit and defined contribution health and welfare plans under Sections 125 and 105 of the Internal Revenue Code.

He has also written about financial planning and retirement plan issues in national publications such as Pensions & Investment Age and Broker World, and in self-published newsletters. Dyke is currently working on a book that addresses the inherent problems of investing in the stock market, how deregulation and the central banking system have created the “Casino Age” which shifts additional risk onto consumers.

As one of the leading agents in his field, he has worked with numerous closely held businesses, high net worth individuals and major public corporations. In 2000, Dyke founded another corporation, Castle Asset Management, LLC that is a Registered Investment Advisor. Today, he spends the majority of his time in macroeconomic financial planning for his clients to help them maximize their opportunities, expose them to the severely damaging pitfalls of traditional “accumulation theory financial planning” most often promoted by major financial institutions, their agents and the media. He also assists clients in setting up their own finance companies. An ardent student in Austrian economics, Dyke defends the market economy, private property and sound money. He celebrates the freedom and productive power of capitalism, and views government intervention as socially and economically destructive.

This week, on the DL Show, our host David Lukas chats with his mentor and partner, in the WorryFree Retirement®, Tony Walker about the final most important player in retirement: Your Retirement Planner.

Throughout the hour, David and Tony discuss many of the options available and appealing to Savers in preparing for retirement. Together, they explain and expand upon the concept of planning a retirement that not only makes sense but also a retirement that works for you. Because just as many FAs dislike and refuse to recommend annuities for their clients, equally as many retirement specialists suggest annuities as a fail-safe way to protect and set aside some, of an investor’s assets specifically for retirement.

Also included, David and Tony discuss and remind DL Show listeners that annuities are designed, and truly best suited, for savers planning and preparing for their second half of life.

If you are interested in a WorryFree Retirement® and hearing more about what you need to know about the 5 Players in Retirement, or what you need to know about an annuity you’re interested in or currently own, listen to the entire show today!

Whose Future Are You Financing?

Want to know more about how the Banks are banking off of your money? David wrote the book!
Check it out today in the DL Show Online Store or read a sample of it here.

The 3 Personalities of Money®:

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Get the Annuity Decision Guide for Savers today by clicking here!

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® It’s the only process in the country Dedicated To Helping Savers Worry Less About Money®

What would happen to you and/or your family if the financial supports of present—the government, employers, banks, and Wall Street—were, are no longer available to you? Would you still be able to retire WorryFree® or would you have to return to the work force just to make ends meet?

Throughout the hour David explains how insurance companies and the products they provide should definitely be one of the cornerstones of every solid retirement plan. Why? Because none of other players in retirement offer or have the ability to provide guaranteed monthly income. Why is that, you ask? Because life insurance/annuities take longevity risk (the risk of outliving your money) out of the equation and provide what Savers are looking for. Savers want predictability and certainty.

Important topics discussed:

• Why you need an annuity in your retirement plan
• How insurance and annuities keep your money safe
• Insurance policies offer liquidity and access to your money if/when you need it without penalty
• There is no longevity risk with annuities as with other risky investments

To get all of this important information, and more, listen to the entire episode today. Also, all previous installments of this series are posted here on dlshowonline.com where you can catch up on any episodes you may have missed at any time!

Tune in next week for a special interview with David’s mentor and partner in the WorryFree Retirement® process Tony Walker.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

The 3 Personalities of Money®:

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Free Annuity Decision Guide:

STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

“It is well that the people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning”

~Henry Ford

For this most recent installment of the David Lukas Show, David continues with the Who’s Supporting You/ Who Can You Trust Series by talking about the fourth player in retirement: your bank.

Just how important of a player is your bank? Very. In fact, knowing how the banking system works is critical to responsibly planning your retirement and safeguarding your hard earned assets.

Throughout the hour David explains how banks really “hold” your money in trust. In other words, because banks are highly leveraged, they are able to loan out 90% of an account holder’s money. That means when you deposit $10,000 into your bank account, the bank can legally loan out $9,000 of YOUR MONEY! That deposit is not held in trust, as it should be.

Want to know more about how the Federal Reserve came to be? Listen to David Interview G. Edward Griffin, author of The Creature From Jekyll Island.

Important topics discussed:

• How banks work within the monetary system
• Why you need to understand how our monetary system works and how the banks control it
• Banks can and have failed
• The current state of the Deposit Insurance Fund (DIF) administered by the FDIC.
• Supporting retirement like grandad did with his interest earnings at the bank just isn’t possible in today’s low interest rate environment.

To get all of this important information, and more, listen to the entire episode today. Also, all previous installments of this series are posted here on dlshowonline.com where you can catch up on any episodes you may have missed at any time!

Whose Future Are You Financing?

Want to know more about how the Banks are banking off of your money? David wrote the book!

Check it out today in the DL Show Online Store or read a sample of it here.

3 Personalities of Money

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Get the Annuity Decision Guide for Savers today by clicking here!

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® It’s the only process in the country Dedicated To Helping Savers Worry Less About Money®

“Hey, if I were starting over from scratch today with what we know, I’d blow up the existing structure and start over. What I’m talking about isn’t 401(k). I’m talking about the way investing is done.”

— Ted Benna, Father of the 401k

This week on the David Lukas Show, David talks about another important player in retirement, Wall Street and it’s primary tool for capturing your savings, the 401k. For most people saving in their 401k, they are limited to mutual funds that were designed and created by Wall Street.

Since the early 1980s, Americans have been sold on why relinquishing control over their money, investing in 401ks, and taking risks in the stock market are essential for retirement. Essentially, the American worker was told: “You are now the owner of your own investment fund. But we are not responsible for whether it will be enough to provide a decent pension. That depends on you.” Over time, Defined Contribution plans that are stock market dependent overwhelmingly replaced plans in which companies promise fixed, reliable, benefits to retired employees

Tying the fate of the American family to the level of the Dow Jones represented a radical transformation of the American pension System. Wall Street was all too happy to fill this void. How is Wall Street benefiting off of your hard earned retirement funds? Tune in to find out…..

Important topics discussed:

• What a 401k actually is
• When, why, and how the 401k came to be
• Why and how 401ks can be detrimental to retirement
• How the WorryFree Retirement® knows how to provide security 401ks can’t

To get all of this important information, and more, listen to the entire episode today.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

The 3 Personalities of Money®:
Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Free Annuity Decision Guide:
STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

Many soon-to-be retirees don’t know what’s in store for them when it comes to collecting Social Security after retirement. And, how if things weren’t set up correctly, come tax time, they may end up owing a lot more than they’d planned for.

This week on the DL Show, David speaks candidly on what you need to know about Social Security and the taxation that those distributions are and can be subject to in the future.

During the first half hour, David explains the origin of Social Security—basically, the government created way of getting the old workers out to make room for the new—and the basics of how the government has managed to reach into your pocket yet again by taxing your Social Security as income. (Yes folks, that means you potentially could be paying taxes on money you’ve already paid taxes on!)

In the last half, David discusses:

• The practice of spending retirement assets down to avoid extra taxation.
• How SS is taxed differently—people may have to pay federal income taxes if they have other substantial income (such as wages, self-employment, interest, dividends and other taxable income that must be reported to the IRS) along with his/her benefits.
• How important it is to coordinate all of your current/future assets within your retirement.
• How single/married SS income is taxed differently.

Want to know more? Listen to the entire episode today.

David Lukas Financial can greatly benefit you and your retirement portfolio. For more information call all David Lukas, (501) 218-8880, today to hear more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

The 3 Personalities of Money®:

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Social Security Guide (44th Edition)

The “2016 Guide to Social Security” is the perfect resource to learn everything you need to know about Social Security and how to get the most out of your benefits. This guide is the 44th addition and includes all updated information for 2016. Request your copy HERE!

Don't you love a farce,
My fault I fear,
I thought that you'd want what I want
Sorry my dear!
But where are the clowns?
There ought to be clowns.
Quick send in the clowns.

— Stephen Sondheim

In regards to the financial industry, there are a lot of clowns out there performing and vying for your attention. They make noise and throw shocking statements in their audience's’ faces in hopes of gaining more accounts and more money. And, although these clowns seem to have your financial best interest in mind, for the most part, they just want your money.

This week David talks about the real advice you need concerning your retirement. Throughout the hour, he first mentions some clownish advice by numbers:

1. It’s easy to earn 12% in good growth mutual funds
2. —Max-out your 401k orIRA, tax-postponement plans will always save you taxes
3. No one needs life insurance In retirement, so buy term and invest the difference
4. Reinvesting the dividends on your investments always makes sense

...and then lists what your REAL options are when you ask, “what are my options when it comes to my 401k plan. David’s suggestions are:

1. Coordinate it with your other benefits - to minimize unnecessary taxation
2. Stretch it - to try to minimize the taxes and extend said IRA for generations to come.
3. Defer it -put off the inevitable
4. Convert it - into a Roth IRA
5. Insure it - essentially making the IRA tax free by directly dealing with the infamous tax tumor
6. Gift it
7. Spend it

And how can you accomplish these things? Call David today!

Listener’s question addressed in today’s show:

Andrew in Little Rock asks...

Can you roll a 401k over into an annuity while you’re still working?

David’s answer: If you are over the age of 59 ½ and still working, in many cases you can rollover that 401k. But keep in mind, it takes a retirement specialist ensure that this process is done correctly.

To hear what advice David has to give about developing a strategic retirement game plan, listen to the entire episode today.

Biblical theme of today’s show: faith in relation to worry
Bible verse(s) featured in today’s show:

Hebrews 11:1 Now faith is confidence in what we hope for and assurance about what we do not see.

Interested in learning more about how David Lukas Financial can benefit you and your retirement portfolio? Call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

This week on the DL Show, David talks about the financial social discourse when it comes to your retirement.

What’s the argument? Wall St. vs. Main Street. Why the disagreement? The dissension exists because, in all truth, Wall Street offers no guarantees on the return of the money investors put in. In fact, the Main Street mentality differs so greatly from Wall Street’s that Savers need to know the truth and security behind The WorryFree Retirement.®

Topics discussed in this week’s’ show:

• Don’t focus on a product, focus on the process
• Knowing the truth about Wall Street and annuities.
• Insurance provides protection.

Listener’s Question addressed this week:

My father recently passed away and my mother inherited an annuity and it’s still paying 3%. What kind of annuity would still do that?

To listen to the professional information and advice that David has to give on owning and shopping annuities listen to the entire episode NOW.

Truth: Just 2% in fees, over a lifetime, will slash your retirement account by 65%. Want to know how much you are paying in fees? Know what you’re paying. Download your FREE Fee Disclosure Kit by visiting
davidlukasfinancial.com and give it to your FA today.

Scripture Discussed in today’s show: Romans 15:18-20

The infinite wisdom of the apostle Paul…

18 I will not venture to speak of anything except what Christ has accomplished through me in leading the Gentiles to obey God by what I have said and done— 19 by the power of signs and wonders, through the power of the Spirit of God. So from Jerusalem all the way around to Illyricum, I have fully proclaimed the gospel of Christ. 20 It has always been my ambition to preach the gospel where Christ was not known, so that I would not be building on someone else’s foundation.

Article Discussed in this week’s show: 8 Tips for Surviving the Stock Market's Record Drop by Lou Carlozo.

Book discussed in this week’s show: The Creature From Jekyll Island by G. Edward Griffin. Think the creation of money is a boring subject? Think again! Just how much do you know about that Federal Reserve Note that’s in your wallet?

Want to know more about how David Lukas Financial can help you put a safe and secure game plan together that you can count on? —call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there’s never a fee or obligation to meet with David.

"Our personalities are made up of physical, mental, emotional, and spiritual components. They're molded and colored and given intricacies by our upbringing, our experiences, our fears, our passions, and our observations of the world. What I am calling your “Financial Personality” is just one aspect of who you are."

– Tony Walker, author & creator of  The 3 Personalities of Money®

On this installment of the David Lukas Show, David first addresses the three types of financial personalities and how important it is to know what yours is and why. David also explains how your personality influences how you feel and deal with your money.

So what, specifically, are The 3 Personalities Of Money® you ask?

• Speculator- A speculator is a trader who approaches the financial markets intending to make a money by buying low and selling high (or higher), not necessarily in that order. The speculator is distinguished from the investor, who approaches the financial markets with the intention of making a return on his capital.
• Investor- An investor allocates capital expecting a positive future financial return. Investors approach the financial markets with the expectations of making a return on his capital.
• Saver- a person who regularly saves money through a recognized scheme. They’re interested in an object, action, or process that prevents their financial resources from being used up or expended.

Do you know what your financial personality is? If you’re a saver, you’ve got to understand your personality before you can appropriately make decisions concerning your retirement. Not sure where you stand? Take the test NOW.

Biblical theme of today’s show: With faith in God, the future is bright.

Ecclesiastes (NIV) 8:7, Since no one knows the future, who can tell someone else what is to come?

Luke (NIV) 17:24, For the Son of Man in his day will be like the lightning, which flashes and lights up the sky from one end to the other.

Did you know that the Official David Lukas Show Android App, Iphone App and Windows App are available and FREE!!! You can listen to the archived shows on demand, take advantage of valuable information and bonus content.

Want to know more about how David Lukas Financial can help you put a safe and secure game plan together that you can count on? —call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there’s never a fee or obligation to meet with David.

When The Market is dipping and diving week on end, it’s hard to just sit back and “hang in there.” Especially when we’ve all been pigeonholed into being an investor or a speculator.

Unfortunately for Wall Street, we’re not all Investors and Speculators. In fact, many of us are Savers looking to safeguard our retirement funds—not gamble them away or put them into something that is unpredictable or uncertain.

This week on the DL Show, David talks about how annuities should work for and benefit Savers. Also, David discusses the steps that Savers can take to buy annuities safely.

Key Items discussed:

• Beware the unscrupulous salesman
• The security Fixed Indexed Annuities provides

Scripture of the Day: Bible Verse(s) discussed (NIV): Proverbs 8-11

What the bible has to say about wisdom: Instruction is key in gaining knowledge and later attaining wisdom.

Are you struggling just to understand things? Are you confused and acting on impulse when people are trying to sell you things? If you find yourself stuck in these situations or decisions, look to God.

Do you have a specific financial question that needs answering. Call or write in to David Lukas Financial, and possibly get your question answered on the air!

If you’re a saver that’s interested in finding out more about the WorryFree Retirement® Process, you’ll want to listen to the entire episode. Also, be sure to tune in Saturday at 2:00pm for the next installment of the Annuities ED Series. It’s definitely something you won’t want to miss.

With so many “professional” opinions out there, concerning finance, sometimes it’s hard to differentiate between valuable information and propaganda.

And before HUGE decisions are made there are many important factors to consider—whether you’re planning on taking a lump sum payout, a monthly income, or a roll-over in relation to your pension. This week, on the DL Show, our host David explains what future retirees need to know about their pensions, if they have one, before retiring. Topics discussed in today’s show:

• Defined Benefit Plan. This plan,otherwise known as the pension, is guaranteed by the employer for the policyholder to receive a definite amount of money at retirement. Guaranteed.
• Defined Contribution Plan. This plan, otherwise known as the 401k, is a money match or percentage contribution to a profit sharing pool where you, the employee, takes all the risk. The final amount of money received depends on how the investment performs in the stock market. Unguaranteed.
• The Tax Tumor. The tax tumor is what’s owed in the future when cashing in on your 401k. (Insider info: nobody knows what the tax percentage will be in the future. But one thing’s for sure. It will be higher.)

David also addresses a listener's question:

I put 10% into my 401k plan. The company matches 6% and I was wondering...Is it advisable to keep putting that much in my 401k plan or should I think about something else with my money?

To hear the insight David has to give, listen to the entire show today! Do you have pension, 401k, or retirement questions? If so, call or write in to David Lukas Financial, and possibly get your question(s) answered on the air!

Bible related theme discussed today: Contentment — to be satisfied. How do we remain satisfied and content in life? By remembering that God gives us the good and the bad. Without the bad, we can never fully appreciate the good.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

The 3 Personalities of Money®: Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Free Annuity Decision Guide: STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

"I’ve created a monster."  – Ted Benna, the creator of the 401k.

When it comes to basic retirement planning, most of America’s been drinking the Koolaid. And for years, or for some, entire career spans, millions have been contributing, monthly, to one of the largest government tax-postponement plans in existence—the tax deferment plan otherwise known as the 401k.

On this episode of the DL Show, David talks about what’s waiting for you when you’re ready or need to collect on your 401k. Throughout the hour David explains all the different actions needed to minimize taxes and avoid fees and penalties and explains expands upon how tax-diversification can be the key to retirement success. Because just as someone shouldn’t put all of their hopes into one dream, a retiree shouldn't’ put all of his or her money into one product.

Penalties, fees, RMDs (required minimum distributions) and the possibility of having to pay in a higher tax bracket are just a few of the MANY reasons why every retiree and future retiree needs a solid game plan for their retirement.

So if 401k’s aren’t the best option for me in retirement, than what are my options? Here a just a few of the options discussed in today’s show:

• Roth IRA
• An annuity
• Other tax-advantaged alternative assets classes that are often overlooked.

Want to know more? Listen to the entire episode today!

Biblical theme of today’s show: Things that are hidden and not seen.

Bible verse(s) featured in today’s show: 2 Corinthians 4:16-18 New International Version (NIV)
16 Therefore we do not lose heart. Though outwardly we are wasting away, yet inwardly we are being renewed day by day. 17 For our light and momentary troubles are achieving for us an eternal glory that far outweighs them all. 18 So we fix our eyes not on what is seen, but on what is unseen, since what is seen is temporary, but what is unseen is eternal.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Curious to know what The Annuity Decision Guide for Savers is all about? Click here!

Want to know more about how David Lukas Financial can help you put a safe and secure game plan together that you can count on? —call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. Remember, there’s never a fee or obligation to meet with David.

There are lots of mixed signals out there, in the financial world. And the new trend is for Financial Advisors and the media to fear monger about everything financial.

Of course it is human to fear and worry about what we don’t understand. Lucky are the listeners of the David Lukas Show, in that he works hard to educate and help Savers Worry Less About Money®.

This week, on the DL Show, David talks about how Wall Street banks on the heavy dose of fear fed to Savers. Promoting the ear of being taken advantage of and fear of the unknown is how Wall Street has duped Savers into thinking that moving their fee-laden mutual funds—the funds that they, the Financial Advisors, are making a pretty penny on—into annuities is a bad move because of SURRENDER CHARGES!

Throughout the hour, David explains why and how Savers have less reason to fear the sometimes unpredictably fickle Market when they choose to participate in The WorryFree Retirement®.

Listener’s question addressed in today’s show:

Hey David. I have some concerns because I’ve had some health issues in the past. I didn’t work for about 4 years and because I was a single mom for eight years and couldn’t put any money away in my 401k. Now, I feel like I’m behind in where I should be and I’m concerned about when I can retire. How do I get to the point where I can retire comfortably? We would like to take the money that we do have and grow it as much as possible without taking too much risk.

Essentially, what this listener is saying is that she needs a game plan. To hear what comments and suggestions David has to give about developing a strategic retirement game plan, listen to the entire episode today.

Recommended Reading:

Recommended Reading talked about in this broadcast: The Creature of Jekyll Island by G. Edward Griffin.

The 3 Personalities of Money®:

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Free Annuity Decision Guide:

STILL NOT SURE WHAT ANNUITIES ARE BEST FOR YOU? Get the Annuity Decision Guide for Savers today by clicking here!

To learn more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

This week’s words of wisdom:

"You can have everything in life you want, if you will just help other people get what they want."  - Zig Ziglar

Because Americans, en masse, participate in Qualified Plans without having all the details of how they actually work, many soon-to-be retirees are finding that their 401ks are falling short in means of future comfort.

This week, our host David Lukas dives into the topic of 401ks and what you, as an investor in your future, need to know before retirement. Throughout the hour, David explains and expands on the importance of understanding the negative implications of future taxation as well as the effect that hidden fees can and will have on your hard earned retirement funds. Important financial questions that David addresses this week:

1. What types of fees am I playing on my 401k?
2. How much of my 401k do I actually get to keep?
3. What are the external costs of my 401k?
4. How much in taxes do I pay if I want to cash in my 401k before I retire?
5. What are the differences between the internal, external, and eternal rates of return?

*This episode of the DL Show is filled with great information and tips on how you too can retire WorryFree® Listen to entire episode here online today! You won’t be sorry that you did! *Related DL Show with connectedly important information: I'm From the Government and I'm Here To Help With Your 401k

Did you know that just 2% in fees, over a lifetime, will slash your retirement account by 65%. Want to know how much you are paying in fees? Download your FREE Fee Disclosure Kit by visiting davidlukasfinancial.com today. Want to know exactly how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located in North Little Rock, Arkansas.

Not sure if you’re a Saver, an Investor or a Speculator? Find out your financial DNA today at davidlukasfinancial.com

“You finance everything in life you buy. You either pay interest, or you give up the ability to earn interest on that money you would have earned had you not given it to someone else.”   —David Lukas

Do you have a plan in place to insure that your income will last as long as you live? Insider tip: The only place you can get that type of guarantee is with an insurance company through an annuity. Lord knows, retirement planning would be a lot easier if we all knew how long we were going to live. Unfortunately, we don’t have that type information given to us. Our fate is out of our hands– our financial futures don’t have to be. On this week’s installment of the David Lukas Show, David talks about the differences between life insurance and annuities and why, in an ideal world, Savers would have both of the product in their retirement plans. Throughout the hour, David talks about the benefits of safeguarding your hard earned retirement funds with products like life insurance and annuities. As he explains what annuities actually are and how they work, David also discusses how every financial decision we make comes with an internal cost an external cost and finally an eternal cost. David also explains how important it is that Savers know what could potentially be costing them a WorryFree Retirement®. Also mentioned are the four financial institutions that determine what your costs are:

1. The government
2. Wall Street
3. Banks
4. Insurance companies

Listen to the entire show today to hear all of what David, Little Rock’s own has to say on these and other important topics that effect Savers and their retirement.

Q&A With DL Show Listeners:

"I have an ESOP at work. I was wondering what age I can get to it, and can you send me any information on ESOPs in general?"   —Harvey, from Sherwood Arkansas.

Do you have 401k, 401b, tax, investment, or questions about the WorryFree Retirement® ? We have answers. Get all of your financial questions answered by calling David Lukas Financial, at (501) 218-8880, and setting an appointment with David right now.

Scripture(s) discussed in today’s show: Matthew 11:28 Ecclesiastes Solomon Subject: Costs...in life and eternity.

• Internal cost — the internal workings, we have to work hard internally and while we're young and fit to do that, we're supposed to work hard and save.
• External cost — God has has called us to work and save just as he has called at some point in our life for us to enjoy the fruits of our labor.
• Eternal costs — the eternal blessing. God wants us to look back one day when we can't work so hard, when the kids are grown, or when the nursing homes are knocking at our doors and look back and realize that this stage is all about rest.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Get the Annuity Decision Guide for Savers today by clicking here!

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

Have you ever Googled the word annuity? If you haven’t, maybe you should. Much to the financial industry’s dismay, annuities have become popular products that help Savers use, enjoy and protect their hard earned money.

This week, on the David Lukas Show, David focuses on annuities and why/how they have recently become the sweethearts of the insurance business.

David first chats about something that happened back in 2014—an estimated 50 billion dollars moved from managed accounts into products called hybrid annuities (fixed indexed annuities). Yes folks. That’s 50. Billion. Dollars.

So why did all that money move from Wall Street to insured contractual agreements? Security. That’s when many “investors” finally realized that they were actually Savers more interested in the return of their money other than the rate of return on their money.

In the second half of the show, David names and explains what the four types of annuities are:

• Fixed
• Variable
• Immediate
• Fixed-Index (Hybrid)

...and how each one differs from the other.

Listeners’ questions addressed during the show:

Hi David. I have an annuity currently making 3% interest. Can I get a better rate somewhere else?   —Ricky in Little Rock, AR.

What is an indexed annuity, and is it better than a fixed rate annuity? What if interest rates go up, what about bond rates?   —Charles in Austin AR.

To hear the valuable advice David has to give Ricky and Charles, listen to the entire episode today.

Bible verse(s) featured in today’s show: Matthew 13:22, Ephesians 2:4, Ephesians 3:16, Ephesians 14:18-22

Focus: Riches in this world and there after.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Get the Annuity Decision Guide for Savers today. Just click here!

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

Caveat Emptor is an old Latin warning that notifies a buyer that the goods he or she is buying are “as is,” or subject to any, or all, defects. Armed with this knowledge, how are we as Savers to know what types of goods (financial products) are good for our portfolios and which types of goods could be devastating?

On todays episode of the DL Show, our host David Lukas talks about how important it is that both current and future retirees know and understand on the “rules of the game”—the retirement game, that is.

Topics discussed in this week’s’ episode:

• Don’t focus on a product, focus on the process
• Knowing where different products fit into a well rounded retirement plan
• Understanding Annuity surrender fees and contractual half-truths
• Unilateral contracts (definition and explanation) and the benefits therein

Q&A with DL Show listeners:

I’m thinking of leaving my job and have a 401k. What are the penalties for just taking the money, and if there are any kind of hardship provision to do so?

— Karen, from Cabot AR.

In response, David explains how age, taxes, and penalties can all come into play when considering a draw from a current 401k.

I’m 62 and already retired. I’d like to know how I can use the IRA to invest in another property to live in without the government taking taxes?

— Danny, from Little Rock, AR.

In response to Danny’s question, David talks about how putting realestate into an IRA isn’t always the best option when it comes to specific property types and tax advantages.

Do you have 401k, 401b, tax, or questions about the WorryFree Retirement® ? We have answers. Get all of your financial questions answered by calling David Lukas Financial, at (501) 218-8880, and setting an appointment with David right now.

Scripture Discussed in today’s show:

Understanding the unilateral offer from God…

4There is one body and one Spirit, just as you were called to one hope when you were called; 5 one Lord, one faith, one baptism; 6 one God and Father of all, who is over all and through all and in all.

Want to know exactly how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry. David Lukas Financial is conveniently located right here in North Little Rock, Arkansas.

What fee’s are you paying? Download our FREE Fee Disclosure Kit and submit it to your financial advisor/retirement planner to find out!

Seems lately Wall Street’s spending a lot of time trying to get investors into a condition of fear. If you’re a Saver that’s been fooled into thinking you’re an investor–things have been scary lately.

On this episode of the David Lukas Show, David points out the differences between Savers and Investors and the types of products that cater specifically to people who are concerned about the return of their money. Not just the rate.

During the first half, David explains how conditional specialized insurance plans can provide the security needed in today’s volatile market.

Hot topics touch on today’s episode:

• OPI-other people’s money
• Concept of capital at work
• Sleep Insurance®

David then addresses a valued listener’s question about annuities.

I’ve got an annuity with you. Does that mean they won’t get anything when I pass? _______ says they won't.

 

 

—Chuck from Little Rock, AR.

To hear what advice David Lukas—Little Rock’s own retirement specialist— has to give Chuck, listen to the entire episode today.

From the halfway point to wrap up, David elaborates on how David Lukas Financial is a savvy choice for fee conscious Savers looking for a WorryFree Retirement®.

To hear all of the valuable information David has to offer listen to the entire episode today.

Bible verse(s) featured in today’s show: Galatians, Chapter 5. Verses discussed: verse 1, verse 18, verse 22 Focus: flesh and spirit

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: DavidLukasFinancial.com

Curious to know what The Annuity Decision Guide for Savers is all about? Click here!

The first week of 2016 was the worst five days in recorded history, for the US stock market. The Dow Jones Industrial Average closed out… low—finishing the worst opening week ever seen for the world’s largest economy.

While this was happening, many of the financial talking heads were yelling “CORRECTION! CORRECTION!” Now, whether this was the tipping point of a major correction or not, the volatility of the market could and still can’t be denied. It is historically evident that the stock market experiences a major correction every 7-8 years. Equipped with this information, why would you put your hard earned retirement funds at risk, if you’re at or near retirement?  You’ve been told you have to—that’s why!

This week on the DL Show, our host David Lukas kicks off the new year with a familiar yet important message:

There are no guarantees in life just as there are surely no guarantees in the stock market...unless you plan right!

During the first half of the show, David speaks on the importance of planning and diversifying retirement portfolio.

During the second half, David reads and explains several of his favorite scriptures and how they directly relate to God’s intentions regarding money. To hear all the valuable insights David—Little Rock’s own retirement expert—has to give concerning a WorryFree Retirement®, listen to the entire show today!

Do you have retirement questions? Call or write in to David Lukas Financial, and possibly get your question answered on the air!

Scriptures mentioned today:

Matthew 6:24 New International Version (NIV)

24 “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.

Ecclesiastes 2:18 New International Version (NIV)

18 I hated all the things I had toiled for under the sun, because I must leave them to the one who comes after me.

Ecclesiastes 2:24New International Version (NIV)

24 A person can do nothing better than to eat and drink and find satisfaction in their own toil. This too, I see, is from the hand of God.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.

“What Savers need to understand is that somehow somewhere they’re going to have to figure out how to get some fixed indexed annuities into their retirement game plan. Why you ask? Because there is no other product that will guarantee money for life. That’s why.”

–Tony Walker

On this week’s episode our host welcomes frequent guest Tony Walker, retirement expert and creator of the WorryFree Retirement®, back to the David Lukas Show and entreats him to share his valuable knowledge of annuities with listeners.

 

First, David and Tony discuss how different the pension of old is compared to the 401K of today. While chatting about the differences, Tony and David mention and suggest several alternatives that are suited perfectly for Savers.

 

Tony also mentions that hybrid products such as life insurance and long-term-care policies  might be a better option for some during the retirement planning process. With these types of policies, your benefits can be used for either long-term care or life insurance, or partially for both.

 

Wrapping up hour, David and Tony discuss the types of financial products that Savers like and remind listeners of just how easy the WorryFree® retirement planning process is.

 

What type of financial products are offered to Savers specifically –you ask?

 

• Fixed & Immediate Annuities
• Fixed Indexed Annuities
• Hybrid Annuities
• Cash Value Life Insurance Contracts (7702 Retirement Plans)
• Insurance products that provide Disability and Long Term Care

 

Not sure what these products are or what they provide? Contact David Lukas Financial today at (501) 218-8880.

 

*This installment of the DL Show is filled with great information and expert tips on how you too can retire WorryFree® Listen to entire episode here online today! You won’t be sorry that you did!

 

Tune in next week to hear what David has to say about the benefits of retiring truly WorryFree®.

Want to know more about how David Lukas Financial can benefit you and your retirement portfolio—call all David Lukas, (501) 218-8880, today to learn more about The WorryFree Retirement® process. It’s unlike anything else in the industry.